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Want to get one of the hottest tech gadgets of the holiday season for as little as $25? John Hancock has you covered!

Members of the life insurer’s Vitality Program can get an Apple Watch® Series 2 for just $25 (plus tax) and pay nothing more if they exercise regularly. (Offer void in New York.)

Your activity level will be tracked via the Apple Watch and rated on a point system. You can earn points for walking, running, biking, swimming or any number of other fitness activities—and those points will ‘pay’ for the watch.

Burning the minimum number of Active Calories (personalized between 300–1,875) with Apple Watch

Burning > 300 calories based on an approved Vitality device

Exercising within a target heart rate at an average of 60% of a maximum heart rate for 45 minutes

If you do any of those activities regularly, you’ll easily earn 500 fitness-related Vitality Points each month. And if you earn 500 points each month for 24 months, then you’ll pay no additional money for the watch!

Clark.com has reached out to John Hancock for an explanation of how much you might have to pay if you don’t accumulate 500 points per month. As of press time, we have not had a reply.

Is your insurance company holding back a stash of your money?

Theo has co-written several books with Clark Howard, including the New York Times #1 bestseller Living Large in Lean Times. As a single widowed parent of two young children, he strives to bring unique savings tips to men and women like him who must face life without their spouses. He can be reached at [email protected]